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AmEx Cashback Credit Card - 10% Bonus Cashback ($200 Cap) or $120 Cashback ($1200 Spend) - First 3 Months - New Card Member Only


American Express is offering two choices of sign-up bonus, on their American Express Cashback Credit Card -

  • 10% Bonus Cashback (up to $200)


  • $120 back (min. spend $1.2k)

For the first 3 months, when you apply online on this page by 23 August 2021 and are approved. T&Cs apply. New Card Members only.

Looks like this is a targeted Facebook offer that I got shown on Facebook. I have checked their website and can't see these offers on there. There disclaimer says "You must apply through the page to be eligible for these offers."

Card benefit details -

  • 1% Cashback per $1 spent (excluding Government Spend where you earn 0.5%)
  • 1.5% Bonus Cashback per $1 spent when you shop at participating Shop Small businesses (up to $200, until 31 March 2022)
  • Complimentary monthly BINGE Basic Subscription (valued at $10 per month)
  • Complimentary 12 month subscription to Centr Fitness App (valued at $119.99, offer ends 14 February 2022)
  • Amex Offers & Experiences
  • Smartphone Screen Insurance
  • Purchase, Refund & Fraud Protection
  • Access to American Express Plan It - break your monthly balance into 3/6/12 monthly instalments
  • Up 4 Additional Cards, at no extra fee

Important details -

Minimum Income - $40k
Monthly Fee - $10
Offer Ends - 23 August 2021

Referral Links

Business Explorer Card: random (1)

Referrer: 40,000 Reward Points
Referee: 110,000 Rewards Points with $3,000 spend in 3 months

David Jones Card: random (31)

Referrer: 15,000 Reward Points
Referee: 25,000 Reward Points with 3 purchases outside DJ in 1 month

Related Stores

American Express
American Express

closed Comments

  • +4 votes

    Big proviso in the T&Cs for the bonus cashback - "Card Members who currently hold or who have previously held any Card product issued by American Express Australia Limited in the preceding 18 month period are ineligible for this offer. "

  • +2 votes

    Wait but why would you ever pick the $120 option? If you hit the 1.2k minimum spend with the 10% option then you would've gotten $120 anyway, plus the possibility of earning $80 more.

    • +1 vote

      yeah. I don't understand that either. seems to be no downside to picking the 10% option

    • -1 vote

      Its the minimum spend what you wanna pick its confusing but its just your potential spend you either gotta spend min 1.2k with the $120 cb option or 2k min spend for the 10%

      • +1 vote

        No, it's not a 2k min spend for the 10% option. It says if you spend 2k then you get the full $200 cashback. See T&C 1a and compare it with 1b for the other option. 1a doesn't have a min spend


    Monthly fee - $10.

    The cashback credit cards in USA have no annual fees but not in Aus. Anyone knows why?


      Ever since they regulated credit card years ago the rewards on credit cards dropped in Australia significantly. They’ll never be as good as the cards in the USA anymore


      Interchange fees aren't regulated in the US, so rewards are a lot higher on cards (at the cost of it costing merchants more to accept card).


    So you basically don't start earning any cashback until after the first $1000 spend each month as that offsets the monthly fee? Am I reading that correctly?

    • +1 vote

      Looking at the card, yes. After the first 3 months it appears to be that

    • +1 vote

      Yes, unless you value the BINGE Basic Subscription I suppose


        Nothing about that offer appeals to me personally. And getting a credit ding for $90 isn't worth it.

        As far as the Binge subscription goes, I wouldn't touch it even if it was free.